Today I am going to write out what I owe and how much is my take home

Hello L2G, thanks so much for sharing these goals with us - it looks like you've got three on the go here.  Great job!  Were you able to get together the plan about figuring out what you owe and working out a budget - it's a huge step and to me, it was very overwhelming, but once I got through it, I felt so much more in control.  The plan I used to get myself out of consumer debt is called the 'Snowball Plan'.  Maybe it will work for you too.  I've written a story in my portfolio about it, if you'd like to read about my arduous journey.  I hope you find some tips that will help you along with yours.  Let us know about your progress here as there are many people working on the same goal.  Thanks so much for sharing.